> ## Documentation Index
> Fetch the complete documentation index at: https://cobo.com/payments/llms.txt
> Use this file to discover all available pages before exploring further.

# Cobo Payments Skill Introduction

## What is Cobo Payments Skill?

Cobo Payments Skill is a payment capability extension package designed specifically for AI coding assistants (Claude Code, Cursor, etc.), allowing you to operate the Cobo Payment API (`/payments/*`) directly using natural language — no need to manually look up documentation or write boilerplate code.

## Core Capabilities

### 1. Pay-in (Receiving Payments)

* Create payment orders by specifying fiat currency amounts, with automatic cryptocurrency conversion based on exchange rates
* Generate payment links that can be shared with payers to complete transactions
* Real-time order status tracking (Pending → Processing → Completed)

### 2. Refund

* Initiate refunds on completed orders
* Support direct refunds to a specified address, or use a refund link to let the payer submit their own address

### 3. Payout / Settlement

* Crypto payout: Transfer funds from a merchant account to an on-chain address
* Fiat off-ramp: Settle crypto balances to a bank account

### 4. Merchant Management

* Create and manage multiple merchants
* Supports two modes: Shared Wallet and Separate Wallet

### 5. Balance Inquiry

* Query balances for individual merchants, PSP (developer) accounts, and payment wallets

### 6. Exchange Rates & Supported Tokens

* Query real-time exchange rates; supports USDT / USDC on multiple chains including Tron, Ethereum, BNB Chain, Polygon, Arbitrum, and Solana

## Installation

**Requirements:**

* Python 3.9+
* Claude Code (recommended for best results) or Cursor
* A Cobo Portal account with Payment functionality enabled

**Installation commands:**

```bash theme={null}
pip install cobo-cli
cobo skill install all --scope global --skill cobo-payment
```

## Quick Start

**Step 1: Configure environment and log in**

```bash theme={null}
cobo env dev          # Select environment (dev / prod)
cobo login -u         # OAuth login, automatically opens browser
```

**Step 2: Generate and register an API Key**

```bash theme={null}
cobo keys generate --key-type API    # Generate key pair
cobo open developer                  # Open developer console
```

<Info>In the Dev environment, you can use `cobo keys register` to register automatically.</Info>

**Step 3: Verify connectivity**

```bash theme={null}
cobo get /payments/orders --limit 1
```

A JSON response confirms successful configuration.

## Common Task Examples

Just tell the AI what you want to do in natural language:

| What you say                                                             | What the Skill does                       |
| ------------------------------------------------------------------------ | ----------------------------------------- |
| Create a merchant named xxx in Shared mode                               | `POST /payments/merchants`                |
| Generate a payment link for 1000 USDT (Tron) with a developer fee of 200 | Calls Python SDK to create a payment link |
| Check my PSP balance                                                     | `GET /payments/balance/psp`               |
| Show all payment orders for merchant M1001                               | `GET /payments/orders?merchant_id=M1001`  |
| Refund 500 USDT to 0x...                                                 | `POST /payments/refunds`                  |